1.1 Personal information Boral Collects
Boral collects personal information where reasonably necessary for its functions and activities. Personal information that Boral may hold includes the following:
- name, address and contact details;
- date of birth;
- employment and income details;
- bank account details;
- details of the products and services provided to an individual by Boral;
- details of an individual’s dealings with Boral, including records of telephone, email and online interactions;
- credit-related personal information (see section 1.4 below).
1.2 How Boral Collects Personal Information
Boral collects personal information directly from an individual where reasonable and practical. Boral may also collect such information from other sources, including:
- other entities who provide services to Boral related to the products and services provided to an individual by Boral;
- publicly available sources of information;
- an individual’s representatives (e.g. spouse, professional adviser);
- subsidiaries of Boral Limited.
1.3 How Boral Uses Personal Information and to Whom it is Disclosed
Boral collects, uses and discloses personal information generally to provide an individual with products and services requested, and to respond to queries. Boral may also use personal information to make an individual aware of Boral’s other products and services or offerings provided by Boral in conjunction with its business partners or associates. Boral may not be able to do these things without the individual’s personal information. Boral may also collect, use and disclose personal information in connection with potential or actual unlawful activity, misconduct or transfers of Boral’s business or assets.
Boral understands the importance of keeping personal information private and only discloses such information to third parties in limited circumstances. Third parties with whom Boral usually exchanges information include:
- credit providers and credit reporting agencies;
- an individual’s representatives;
- Boral’s professional advisers including legal, accounting, auditing and business consulting advisers;
- government and regulatory authorities;
- subsidiaries of Boral Limited.
Boral also exchanges personal information with contractors who manage services provided to an individual on Boral’s behalf, or who provide services to Boral, including:
- mailing services;
- billing and debt recovery functions;
- customer injury services;
- marketing functions;
- website, data management and technology services.
Parties to which Boral discloses personal information may be located in Australia and other countries.
1.4 Credit-Related Personal Information
Boral sometimes provides products and services to customers on credit. In connection with this credit, Boral does in some cases handle certain consumer credit-related personal information described below (credit-related personal information), including information from credit reporting bodies (CRBs). For example, Boral may handle this information in providing credit to sole traders, or where individuals such as directors provide personal guarantees for credit Boral provides to their companies.
Boral may collect and hold any types of credit-related personal information about an individual permitted under the Privacy Act, including:
- name, sex, date of birth, driver’s licence number, employer and three most recent addresses;
- confirmation of previous information requests to CRBs made by other credit providers and credit insurers about the individual;
- details of previous credit applications, including the amount and type of credit and credit limit;
- details of current and previous credit arrangements, including credit providers, start/end dates and certain terms and conditions;
- permitted payment default information, including information about related payment arrangements and subsequent repayment;
- information about serious credit infringements (e.g. fraud);
- information about adverse court judgments and insolvency;
- publicly available information about the individual’s credit worthiness;
- any credit score or credit risk assessment indicating a CRB’s or credit provider's analysis of the individual’s eligibility for consumer credit.
This information may include information about an individual’s arrangements with other credit providers as well as with Boral.
Boral may disclose credit-related personal information to CRBs to assist the CRBs to maintain information about individuals to provide to other credit providers for credit assessments. Boral may collect credit-related personal information from CRBs for purposes including, to the extent permitted by law, to assess relevant credit or guarantee applications, manage and review the credit or guarantee, assign debts, collect overdue payments and produce assessments and ratings in respect of the individual’s credit worthiness. Boral may also exchange credit-related personal information with guarantors, debt buyers and other credit providers.
The CRBs Boral may use include:
- Veda, PO Box 964 North Sydney 2059, www.mycreditfile.com.au, 1300 762 207;
- Credit Works Australia, Suite 1218, 100 Walker Street, North Sydney, NSW, 2060, www.creditworks.com.au, firstname.lastname@example.org, (02) 8188 2363.
Under the Privacy Act, individuals may request CRBs not to:
- use their credit-related personal information to determine their eligibility to receive direct marketing from credit providers; and
- use or disclose their credit information, if they have been or are likely to be a victim of fraud.
1.5 How Boral Stores Personal Information
Boral stores personal information at its own premises and with the assistance of its service providers. Boral maintains strict procedures and standards and takes a range of steps to prevent unauthorised access to, or disclosure of, personal information and protect an individual’s information from misuse or loss. Once an individual’s information is no longer needed by Boral, reasonable steps are taken to destroy or de-identify it.
1.6 Accessing and Updating Personal Information
In most cases an individual can gain access to or update personal information held by Boral. To make a request to access or update personal information held by Boral, contact Boral in writing. Boral may need to verify your identity. Boral may charge a fee to cover the cost of retrieving and copying requested information.
1.7 Complaints and Further Information
Further information may be obtained about how Boral manages personal information from the Privacy Officer (see contact details below). If an individual believes that Boral has breached its privacy obligations or that individual’s privacy rights in any way, a complaint can be made to the Privacy Officer (see contact details below). Boral will endeavour to act promptly in response to a complaint.
1.8 Boral Contact Details
Please contact Boral about privacy-related issues by post, facsimile or email:
The Privacy Officer
GPO Box 1228
NORTH SYDNEY NSW 2059
Fax: 02 9233 6605
1.9 Updates to this Policy